<ARTICLE>                  9
<MULTIPLIER>               1,000

                        
<PERIOD-TYPE>              12-MOS
<FISCAL-YEAR-END>                                    Dec-31-1999
<PERIOD-END>                                         Dec-31-1999
<CASH>                                                    76,527
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                          24,200
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              625,645
<INVESTMENTS-CARRYING>                                     5,042
<INVESTMENTS-MARKET>                                       5,084
<LOANS>                                                1,009,223
<ALLOWANCE>                                               13,421
<TOTAL-ASSETS>                                         1,840,702
<DEPOSITS>                                             1,360,306
<SHORT-TERM>                                             254,000
<LIABILITIES-OTHER>                                       18,091
<LONG-TERM>                                               70,000
<COMMON>                                                   7,640
<PREFERRED-MANDATORY>                                     29,817
<PREFERRED>                                                    0
<OTHER-SE>                                               100,847
<TOTAL-LIABILITIES-AND-EQUITY>                         1,840,702
<INTEREST-LOAN>                                           84,853
<INTEREST-INVEST>                                         38,996
<INTEREST-OTHER>                                              38
<INTEREST-TOTAL>                                         123,887
<INTEREST-DEPOSIT>                                        42,774
<INTEREST-EXPENSE>                                        55,947
<INTEREST-INCOME-NET>                                     67,941
<LOAN-LOSSES>                                              5,136
<SECURITIES-GAINS>                                         (638)
<EXPENSE-OTHER>                                           52,733
<INCOME-PRETAX>                                           25,559
<INCOME-PRE-EXTRAORDINARY>                                25,559
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                              17,635
<EPS-BASIC>                                                 2.45
<EPS-DILUTED>                                               2.42
<YIELD-ACTUAL>                                              4.46
<LOANS-NON>                                                4,666
<LOANS-PAST>                                               1,047
<LOANS-TROUBLED>                                             122
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                          12,441
<CHARGE-OFFS>                                              5,288
<RECOVERIES>                                               1,132
<ALLOWANCE-CLOSE>                                         13,421
<ALLOWANCE-DOMESTIC>                                      13,421
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                    1,065